Employees outside the home network need a plan that reaches them.
A regional network may not reach employees who live or work in other states. Network type and carrier choice decide how much choice remote employees really have.
What to decide and where it connects
HMO Networks and Distance
Why regional networks can limit remote employees.
See the Two-Plan Option
A second plan can cover employees outside the main network.
Read the Parent Guide
HMO vs PPO vs EPO for Michigan employers.
Questions about this topic
Can remote employees use a Michigan network?
Only where the plan’s network reaches them. Some plans pair a regional network with a national one.
What should we check?
Where employees live, which carriers serve those areas and how out-of-network care is covered.
Is a PPO better for remote teams?
Often a broader network helps, but it depends on the carrier and region.
Ready? Send us your renewal, or talk it through with someone first. General information, not legal or tax advice.
Where these details come from.
HealthCare.gov: Health insurance plan types: Plain-language comparison of HMO, PPO, EPO and POS.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
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